What is PAYE tax in Nigeria?

PAYE (Pay As You Earn) is Nigeria's income tax system for employees. Your employer deducts tax from your monthly salary and remits it to the Nigeria Revenue Service (NRS) on your behalf. The tax is calculated on your taxable income after deductions like pension, NHF, and rent relief.

What are the Nigeria income tax bands for 2026?

Under the Nigeria Tax Act 2026 effective January 2026: the first ₦800,000 is taxed at 0%, ₦800,001 to ₦2,800,000 at 15%, ₦2,800,001 to ₦5,800,000 at 18%, ₦5,800,001 to ₦8,800,000 at 21%, ₦8,800,001 to ₦13,800,000 at 24%, and above ₦13,800,000 at 26%.

How do I calculate my PAYE tax in Nigeria?

To calculate your Nigeria PAYE tax: start with your annual gross salary, subtract your pension contribution (typically 8%), NHF contribution (2.5%), rent relief (20% of salary), and NHIS if applicable. The result is your taxable income. Apply the progressive tax bands from the Nigeria Tax Act 2026 to get your annual PAYE. WAKATAX does all of this automatically.

Is WAKATAX suitable for freelancers and self-employed Nigerians?

Yes. WAKATAX works for salaried employees, freelancers, contractors, and self-employed Nigerians. The calculator handles all income types and applies the correct reliefs under the Nigeria Tax Act 2026.

How is WAKATAX delivered after purchase?

WAKATAX is delivered instantly to your email address after payment on Selar. No waiting, no shipping. Just open the spreadsheet in Microsoft Excel or Google Sheets and start calculating.

WAKATAX — Nigeria Income Tax Calculator 2026 | PAYE Calculator for Nigerian Employees

✓ 2026 Tax Act Updated ✓ 3 Plans Available ✓ 5min To Your Answer ✓ Excel & Google Sheets ✓ Works Offline ✓ Instant Delivery via Selar ✓ One-time Payment ✓ Plans from ₦5,000 ✓ Bonus Tools Included ✓ No Subscription — Ever ✓ 2026 Tax Act Updated ✓ 3 Plans Available ✓ 5min To Your Answer ✓ Excel & Google Sheets ✓ Works Offline ✓ Instant Delivery via Selar ✓ One-time Payment ✓ Plans from ₦5,000 ✓ Bonus Tools Included ✓ No Subscription — Ever

WAKATAX Quick Estimate · 2026

Enter Your Annual Gross Salary (₦)

₦

Estimated Annual PAYE Tax

₦0

Based on basic salary only · No reliefs applied

Monthly Take-Home ₦███,███

Rent Relief (20%) −₦███,███

Pension + NHF Savings −₦███,███

True Taxable Income ₦█,███,███

Effective Tax Rate ██.█%

🔒 Full breakdown unlocks with WAKATAX
Apply your reliefs, see your real take-home, and get a filing-ready breakdown.

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Estimates only · Nigeria Tax Act 2026 · No reliefs applied above

The Real Difference

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A rough number isn't enough when your money — and your legal standing — are on the line.

Free Estimate · Quick guess

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No reliefs applied — your real tax is almost certainly lower

Pension, NHF, rent relief & NHIS all applied — true reduced liability

One number you can't verify or break down

Full line-by-line breakdown — monthly & annual PAYE, take-home, every deduction

Nothing to save, share, or show if NRS asks questions

A spreadsheet you own — keep for your records, use year after year

No guidance on how to file or what to claim

User Manual with step-by-step instructions — written for beginners

No "what if" scenarios — salary increase or side income changes nothing

Change any figure and everything recalculates instantly

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Everything inside WAKATAX.

Two tools, one purchase. The calculator does the maths. The manual shows you exactly how to use it.

WAKATAX Calculator

Precision-built spreadsheet · 2026 Edition

All 2026 PAYE tax bands pre-loaded
Pension, NHF, NHIS & rent relief deductions
Monthly & annual take-home breakdown
Effective tax rate calculation
Works for salary earners, freelancers & contractors

WAKATAX User Manual

Step-by-step guide · Included with every plan

Full walkthrough of every section
How to enter your income and reliefs correctly
How to read and interpret your results
Common mistakes to avoid
Written for complete beginners

WAKATAX Bonus Tools

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Verify if your employer is over-deducting your PAYE
See your exact monthly shortfall or overpayment
Step-by-step tax filing guide for PAYE & self-employed
Full 2026 PAYE breakdown — instant, no login needed

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Your spreadsheet and User Manual are delivered to your email immediately after payment. Open in Excel or Google Sheets.

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Fill in your salary, pension, rent, and allowances. The calculator handles every computation automatically.

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See your exact PAYE, take-home pay, effective tax rate, and all deductions — clearly, instantly, correctly.

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WAKATAX User Manual
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Most Nigerians overpay. Will you?

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